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Carmel, IN
City in Hamilton County, Indiana. ZIP codes: 46032, 46033, 46074, 46280, 46290.
Population
101,651
Land area
49.1sq mi
People per sq mi
2,071
ZIP codes
5
Carmel and its ZIP codes
Carmel at a glance
- Carmel is about 11 times as dense as Indiana as a whole.
- It is the 6th most populous of 967 cities and towns in Indiana.
- Households here earn a median of $141,505 a year, 97% more than the Indiana figure of $71,957.
- A typical owner-occupied home is valued at $486,800 (about 2.2 times the Indiana figure) and median rent is $1,712 a month.
Local data for Carmel, IN
Counts from official public data
- Hospitals4
- Emergency Rooms3
- Nursing Homes7
- Schools28
- Colleges2
- Libraries2
- Banks41
- Post Offices1
- Parks41
- Grocery Stores20
- Restaurants319
- Home Health Agencies7
- Hospice Care8
- Dialysis Centers3
- Rehab & Long-Term Care Hospitals1
- Community Health Centers1
- Mental Health & Addiction Treatment2
- Private Schools12
- Community Colleges & Trade Schools2
- Toxic Release Facilities1
- Historic Places2
Housing and community stats
Carmel, IN, American Community Survey 2020-2024
Median household income
$141,505
Poverty rate
3.9%
Median home value
$486,800
Median rent
$1,712/mo
Homeownership
74.3%
Bachelor's or higher
74.4%
Median age
40.6
Average commute
24.6 min
Largest reported origins and ancestries: German Americans (23,943), Irish Americans (11,971), Indian Americans (5,207).
Economy and federal money
Jobs, pay, income and spending are for Hamilton County. PPP loans are for Carmel.
Unemployment rate
3.0%
Aug 2026, -0.1 pts in a year
Average annual pay
$72,332
167,841 jobs, 2025
Income per person
$104,283
BEA, 2024
Federal spending
$1.9B
FY 2026, $5,568 per person
PPP loans
$422M
3,999 loans, 45,816 jobs reported
How people get to work
Carmel, IN, workers 16 and older. American Community Survey 5-year estimates
- Drove alone66.6%
- Carpooled4.0%
- Public transit0.0%
- Walked1.2%
- Bicycle0.1%
- Taxi, ride-hailing, motorcycle or other0.6%
- Worked from home27.4%
Average one-way commute: 24.6 minutes for people who do not work from home.
Environment and hazard risk
Carmel, IN, from FEMA, NOAA and EPA
Natural hazard risk
Relatively Moderate
Top: tornado
Storm events since 1996
593
Countywide, mostly thunderstorm wind
Flood insurance policies
523
0.4% of homes, county
July high / Jan low
84° / 19°F
44.4 inches of rain a year
Hazards, floods and storm historyCheck a flood zone2 historic places
Health statistics
Share of adults in Carmel, IN, CDC PLACES estimates
Obesity
30.8%
U.S. 33.3% -2.5 pts
Diabetes
9.6%
U.S. 12.1% -2.5 pts
Smoking
8.2%
U.S. 12.8% -4.6 pts
Uninsured (18-64)
4.4%
U.S. 11.1% -6.7 pts
ZIP codes in Carmel
5 in or overlapping Carmel. Population shown
Cities near Carmel
| Name | Distance | Land area (sq mi) |
|---|---|---|
| Williams CreekTown | 4.4 mi | 0.3 |
| Meridian HillsTown | 5.2 mi | 1.5 |
| WestfieldCity | 6 mi | 32.6 |
| North Crows NestTown | 6.9 mi | 0.1 |
| Crows NestTown | 7.5 mi | 0.4 |
| ZionsvilleTown | 7.6 mi | 67.2 |
| Rocky RippleTown | 8.3 mi | 0.3 |
| HortonvilleCensus-designated place | 8.6 mi | 0.3 |
| Spring HillTown | 9.3 mi | 0.1 |
| NoblesvilleCity | 9.4 mi | 35.3 |
| WynnedaleTown | 9.5 mi | 0.2 |
| LawrenceCity | 11 mi | 20.2 |
| FishersCity | 11 mi | 36.2 |
| WhitestownTown | 12 mi | 15.9 |
| SheridanTown | 12 mi | 2.5 |
| Indianapolis | 13 mi | 361 |
Frequently asked questions
- What county is Carmel, IN in?
- Carmel is in Hamilton County, Indiana.
- What ZIP codes are in Carmel, IN?
- ZIP codes in or overlapping Carmel include 46032, 46033, 46074, 46280, 46290.
- What is the population of Carmel, IN?
- About 101,651 people live in Carmel, based on American Community Survey 5-year estimates.
- What cities are near Carmel?
- Nearby places include Williams Creek (4.4 mi), Meridian Hills (5.2 mi), Westfield (6 mi), North Crows Nest (6.9 mi), Crows Nest (7.5 mi).
Source: U.S. Census Bureau (TIGER/Line boundaries, American Community Survey) · Data as of 12/31/2023